Business Financing Solutions


Debt versus equity financing decisions should be assessed  in conjunction with the overall financial position and  objectives of the SME. Most importantly obtaining some financial advice prior to making the final financing decision could save you money and provide peace of mind.

Whether it be financing of working capital requirements, acquisition of  property or plant and equipment, the decision to obtain external finance should be thoroughly researched and planned. There is a need to assess:

 ·  Risk

 ·  Volatility of interest rates

 ·  Return on investment

 ·  Debt servicing capabilities

 ·  Overall impact on the business.

One of the major services being offered by 3 Dimensions through its affiliate 3 Dimensions CFS is finance broking. We see finance broking as a natural extension to the existing services we provide and as your accountant, we can add value to the financing process. We can achieve this by incorporating the knowledge we have of your financial affairs to not only streamline the application process but also structure the finance to best fit your financial and taxation circumstances.

We will be utilising the lending services of five major financial institutions for both leasing/asset purchase and home/investment loans.

Our services will encompass;

 ·  Hire purchase or finance/operating lease of motor vehicles and plant and equipment – minimum  $25,000 on new assets.

 ·  Business loans for the purposes of property acquisitions or working capital requirements

 ·  Home loans for private or investment purposes

Leasing and Asset Purchase

Our competitive and reputable leasing providers are:

·   Bankwest;

·   Capital Finance;

·   Macquarie Leasing;

·   St George Bank; and

·   Suncorp-Metway.

Home and Investment Loans

We work with the following 5 competitive finance providers:

·   Adelaide Bank;

·   BankWest;

·   HomeSide – (Direct Banking Division of National Australia Bank);

·   ING; and

·   Macquarie Bank.

The panel of finance providers is not fixed, they have to maintain their competitiveness and levels of customer service. We will keep you informed of any changes to the panel.

If you require banking facilities we can discuss this at the time of applying for the loan.

Our relationship with each of these organisations is co-ordinated through one representative from each finance provider for each state. Therefore the application process is centralised and promotes expedient approval of finance.

We are ideally positioned to offer advice on the accounting & tax implications of your financing decisions as we have a thorough understanding of your financial affairs. We feel we are in the best position to make the financing process efficient and in line with your overall financial objectives.

We can provide five competitive quotes for you to compare with your existing financier or other quotes you may seek independently. As with any other service or product you look to acquire what we offer has to be competitive and we assure you that the rates and terms we offer our clients are very competitive.

What you pay;

In comparing quotes, don’t just compare interest rates but also the monthly repayments and the total financial commitment for the full term of the contract. Also ensure that all fees and charges and included and the terms of finance being quoted are consistent across all quotes for comparison purposes.

Our fees are incorporated into the total monies financed, so when comparing repayments with other financiers please be reassured that our remuneration is fully inclusive in the quotes we provide. You will not receive an invoice from us in relation to the provision of finance broking services.

We are not interested in a price war with other financiers, if you can secure finance under more favourable terms than what we can provide, consistent with our philosophy, we will encourage that you accept that offer as this represents commercial common sense. However, we do feel that it does make common sense to seek competitive finance through your accountant given our understanding of your financial circumstances and that we can apply this knowledge in the finance application process.